Call reports 2008
CITIZENS BANK AND TRUST COMPANY — 2008
What CITIZENS BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 285,495,000 | 286,479,000 | 286,198,000 | 298,851,000 |
| Total loans | 210,491,000 | 215,936,000 | 213,961,000 | 213,046,000 |
| Allowance for loan losses | 1,961,000 | 2,025,000 | 2,008,000 | 2,167,000 |
| Securities available for sale | 41,652,000 | 38,745,000 | 37,378,000 | 37,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,617,000 | 241,781,000 | 241,422,000 | 249,721,000 |
| Interest-bearing deposits | 201,194,000 | 198,945,000 | 198,657,000 | 208,854,000 |
| Noninterest-bearing deposits | 38,423,000 | 42,836,000 | 42,765,000 | 40,867,000 |
| Equity capital | 30,563,000 | 30,368,000 | 30,632,000 | 29,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,218,000 | 8,291,000 | 12,429,000 | 16,486,000 |
| Interest expense | 1,689,000 | 3,231,000 | 4,666,000 | 6,114,000 |
| Net interest income | 2,529,000 | 5,060,000 | 7,763,000 | 10,372,000 |
| Noninterest income | 638,000 | 1,318,000 | 2,028,000 | 2,712,000 |
| Noninterest expense | 2,059,000 | 4,196,000 | 6,333,000 | 8,532,000 |
| Provision for loan losses | 10,000 | 35,000 | 55,000 | 245,000 |
| Pretax income | 1,098,000 | 2,167,000 | 3,423,000 | 4,327,000 |
| Income tax | 315,000 | 616,000 | 961,000 | 1,212,000 |
| Net income | 783,000 | 1,551,000 | 2,462,000 | 3,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,669,000 | 31,037,000 | 31,548,000 | 31,800,000 |
| Total capital | 32,630,000 | 33,062,000 | 33,556,000 | 33,967,000 |
| Risk-weighted assets | 195,672,000 | 198,837,000 | 194,258,000 | 196,422,000 |
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